Enjoy Stress-Free Financing

Whether you're looking to consolidate high-interest debt, kick off a home improvement project, or make a major purchase, a low-rate personal loan is an affordable option.

Minimum amount is $500.



Fund Your Financial Need with Confidence

With a fixed rate and fixed payment, it's easy to budget and plan.
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Lightning icon conveys speed

Submit an Appliction

Borrow from $500 to $25,000 with no collateral required.

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Choose Your Options

Lock in a fixed interest rate and spread your payments over a 6 to 60 month term. There are never hidden origination fees.

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Get Your Funds

e-Sign your documents then kick back with automatic payments. If you decide to pay off early, there’s zero pre-payment penalty.

Lightning icon conveys speed
Lightning icon conveys speed

Submit an Appliction

Borrow from $500 to $25,000 with no collateral required.

Check mark icon
Check mark icon

Choose Your Options

Lock in a fixed interest rate and spread your payments over a 6 to 60 month term. There are never hidden origination fees.

Dollar symbol icon
Dollar symbol icon

Get Your Funds

e-Sign your documents then kick back with automatic payments. If you decide to pay off early, there’s zero pre-payment penalty.

Minimum amount is $500.


"Orange County's Credit Union went way above and beyond to help me with my financial problem."
Maria V., Member since 2016

Personal Loan

  Personal Loan
APR* 7.25%-17.25%
Term 60
Amount Financed Less than $25,000
  APR* Term Amount Financed
Personal Loan 7.25%-17.25% 60 Less than $25,000
Effective May 08, 2021 03:39 AM Pacific Time (PT)

All loans are subject to application, credit qualification, and income verification and approval. Not all Members will qualify for the lowest rate. Rate is based on creditworthiness and other factors. Loans without automatic payments from a checking or savings account will be 0.25% higher. Ask for full details.

Before you apply, if you are considering debt consolidation, we encourage you to carefully consider whether consolidating your existing debt is the right choice for you. Consolidating multiple debts means you’ll have a single monthly payment, but it may not reduce or pay your debt off sooner. The payment reduction may come from a lower interest rate, a longer term, or a combination of both. By extending the loan term, you may pay more in interest over the life of the loan. By understanding how consolidating debt benefits you, you’ll be in a better position to decide if it’s the right option for you.

APR=Annual Percentage Rate. APR is determined by your credit qualifications and includes 0.25% discount for Automatic Payments via Orange County's Credit Union Account or Payroll Deductions.
The Credit Union reserves the right to limit loan amount based on individual credit worthiness.

All rates include a discount of 0.25% for Platinum status Member. Platinum Member rates require a combined household Credit Union balance of $50,000+ for loans and deposits or has been a Member for 20 years. Click here for details.

Membership in Orange County's Credit Union is available to anyone who lives or works in Orange, Los Angeles, Riverside, or San Bernardino Counties. Don't live or work in our area? You may also qualify if your immediate family Member banks with us. Ask us for details. Membership fee is $5.

Immediate Family Includes:
Spouse
Child
Sibling
Parent
Grandparent
Grandchild
Stepparent
Stepchild
Adoptive Relationships